Blue Cross Blue Shield Auto Insurance Review (2024)

What You Should Know About Blue Cross Blue Shield

Is Blue Cross Blue Shield the same as just Blue Shield? Yes, since the provider’s name stems from the fact that Blue Cross and Blue Shield began as separate insurance companies. Blue Cross was founded in 1929 and forged in a partnership with Baylor University hospital administrators to help patients pay medical bills in California.

It wouldn’t be until a decade later that Blue Shield would be founded with some of the very same principles in mind. Blue Shield began by selling policies to employers in lumber and mining camps of the Pacific Northwest in order to provide necessary medical care to workers.

Throughout the 1930s and 1940s, Blue Cross and Blue Shield expanded operations across the U.S.

In 1966, when Medicare was signed into law, Blue Cross and Blue Shield processed nearly five million claims from Medicare patients in a single year.

The Blue Cross Association and National Association of Blue Shield Plans finally merged in 1982 to form the Blue Cross and Blue Shield Association.

Through economic hardship and various healthcare-related obstacles, Blue Cross Blue Shield has persevered, constantly expanding its member services to include individual, government, and Medicare plans.

Today, one in three Americans (making up 106 million policyholders) turn to Blue Cross Blue Shield for their health and life insurance needs.

The U.S. Census Bureau’s 2018 report on health insurance coverage in the U.S. shows that close to 70% of the population is covered by private health insurance and over 30% are covered by public, and Blue Cross Blue Shield has a hand in both the public and private sectors.

Blue Cross Blue Shield’s Federal Employee Health Benefits Program is the largest privately underwritten health insurance contractor in the world, insuring 5.3 million federal government employees, dependents, and retirees. These figures don’t even account for the number of policyholders Blue Cross Blue Shield covers through Medicaid and Medicare, at 52 million and 42 million respectively.

So, is Blue Cross Blue Shield a good insurance company? Keep reading to discover the answer to this and check out more BCBS coverage reviews.

Blue Cross Blue Shield Insurance Ratings

As far as financial standing, Blue Cross Blue Shield has received top marks from multiple credit rating agencies.

A.M. Best, the number one credit rating agency in the insurance industry, grants Blue Cross Blue Shield an A rating. This means the company is viewed as a viable and stable investment capable of paying out claims today and in the near future.

As far as customer service and quality product delivery, the ratings vary by region since each Blue Cross Blue Shield operates individually by location.

The Blue Cross Blue Shield NC reviews at 5901 Chapel Hill Rd shows a much different trend with a BBB A+ rating for customer service standards.

The Blue Cross reviews with the BBB are based on local consumer complaints and service standards, but this type of average rating seems on par with most affiliates.

It does signify some room for improvement, but it would be wise to check your specific Blue Cross Blue Shield for more accurate BBB ratings. On the flip side, the Blue Cross Blue Shield federal reviews released by the BBB are ultimately scathing with a solid F rating.

J.D. Power awarded Blue Cross Blue Shield of Illinois 733 points out of 1,000 for customer satisfaction, making it a top provider in its headquartered region Illinois. Check out our comprehensive guide “Illinois Auto Insurance” to find the cheapest IL car insurance near you and evaluate Blue Cross Blue Shield Illinois reviews.

In 2019, J.D. Power awarded Blue Cross Blue Shield of Michigan the Power Award for customer satisfaction.

Fitch, a top credit rating agency, lists a Blue Cross Blue Shield rating of A, stating that financially the company has a stable outlook.

Here’s a brief summary of these ratings.

The product itself seems to be on par save for the Medicare supplemental coverage. According to the BCBS reviews of supplemental insurance from Medicare patients, the Blue Cross Blue Shield plans leave members wanting more health care options.

Blue Cross Car Insurance Agents

Blue Cross Blue Shield does have agents, but they exist to assit with its health insurance coverage. You should contact local affiliates to find out more information about agent services and Blue Cross Blue Shield insurance rates for your area.

Interested parties can either call the Blue Cross Blue Shield customer service line for more information at 1-888-630-2583, or they can email or live chat with representatives online through the company website.

The representatives may not answer without bias when asked if Aetna is better than Blue Cross Blue Shield, but they should provide you with the necessary information to make an informed decision when picking your healthcare plan.

However, if the Blue Cross Blue Shield insurance reviews on Yelp provides online are any indication, calling Blue Cross Blue Shield insurance phone number for the customer service representative branch may not be the best.

Anthem, the largest affiliate, has the highest star rating which is not even a full 2 out of 5.

For existing members with questions about enrollment such as Blue Cross Blue Shield auto-renewing your health insurance when you didn’t want it, we would suggest contacting your local agent directly.

How to File a Blue Cross Blue Shield Claim

If it’s a health or life insurance-related claim, Blue Cross Blue Shield directs its policyholders to visit their local Blue Cross Blue Shield company’s website in order to begin the claims process.

After setting up a Blue Cross Blue Shield sign in name and password, members can quickly access their account and begin the claims process.

The online claims system allows policyholders to ask any questions, alter coverages, find estimates on the cost of medical procedures, and check on the status of Blue Cross Blue Shield Insurance claims.

The BCBS login claims portal also gives policyholders options to file claims, check a claim’s status, and to appeal any denied claims.

Since not everyone has access to the internet, Blue Cross Blue Shield still offers both call-in and write-in options for claims processing. Once again, check your local listings or contact your agent to file a claim this way.

The company does warn that these methods, although still effective, will be more time consuming than any online initiated claims. The fastest way to receive payments would still be to access your account anywhere through the Blue Cross Blue Shield login portal.

While your health and medical claims will sometimes involve automobile accidents, Blue Cross Blue Shield does not offer much info on how insurance claims for auto accidents work with its health insurance policies. In these cases, you will have to consult with both your auto insurance and health insurance providers to determine the correct claims process.

So, does Blue Cross Blue Shield cover auto accidents? It could help pay for your medical bills after an accident, but it depends on your plan. Generally, health insurance would cover medical expenses incurred after a wreck if you exceed your personal injury protection insurance limits or don’t have the coverage.

There may be an increase in health insurance providers paying for automobile accident injuries considering that the Insurance Information Institute (III) reported in 2015 that 13% of all motorists (about one in eight drivers) were uninsured.

But once again, these types of claims would be decided on by your individual insurance company and dependent on the particular facts of each case.

Blue Cross Blue Shield Contact Information

Many of Blue Cross Blue Shield’s operations are run through local affiliates but the main organization does have two headquarter sites in Illinois and Washington D.C.

Blue Cross Blue Shield Illinois corporate office is located at:

225 North Michigan Ave.
Chicago, IL 60601

Blue Cross Blue Shield D.C. corporate office is located at:

1310 G Street, NW
Washington, DC 20005

Anthem Blue Cross Blue Shield, the largest for-profit affiliate of Blue Cross Blue Shield insurance company, has approximately 40 million members and is ranked 33rd on the Fortune 500. Its primary location is headquartered at 120 Monument Circle, Indianapolis, IN, 46204.

The company also has larger operations in both Texas and Michigan. Blue Cross Blue Shield Texas, serving 5 million members in all 254 counties, is headquartered at 1001 E. Lookout Drive in Richardson, Texas.

Blue Cross Blue Shield Michigan, serving 4.5 million people and the only health plan to offer coverage in all 83 Michigan counties, has its main offices at 600 East Lafayette Boulevard in downtown Detroit, Michigan.

Check out the ZIP code search option on the company website to find the Blue Cross Blue Shield address closest to your neighborhood.

Blue Cross Blue Shield Insurance Coverage Options

Does Blue Cross Blue Shield have auto insurance? Unfortunately, Blue Cross auto insurance does not exist.

If a Blue Cross Blue Shield insurance card does not guarantee auto insurance, what is the Blue Cross Blue Shield insurance type?

More About Blue Cross Insurance Reviews

The provider’s primary focus is on medical and health care insurance. It does not look like Blue Cross Blue Shield providers will venture into the auto insurance industry anytime soon, either.

Policyholders can stay on the lookout for possible automotive insurance companies partnering with Blue Cross Blue Shield to offer discounts, but it’s unlikely that you’ll be able to find any bundling discounts when it comes to your auto insurance needs at this time.

We suggest that if you’re looking at or have already purchased a policy from Blue Cross Blue Shield for health and life insurance, then you should look toward another insurance company for cheap auto insurance plans.

To give you an idea of what you may pay, here’s a look at average U.S. auto insurance rates:

Always evaluate BCBS reviews in your area to decide if it’s the best coverage near you. For example, Georgia residents looking for health insurance should check out Blue Cross Blue Shield of Georgia reviews.

If you were hoping to find car insurance from Blue Cross Blue Shield, then State Farm or Geico could be good options for you since they offer competitive rates. Don’t be afraid to take a look at some of the best new auto insurance companies to find competitive pricing.